COBRA Insurance and Low Cost Alternatives in Arizona

COBRA Insurance and Low Cost Alternatives in Arizona
COBRA Insurance and Low Cost Alternatives in Arizona

How COBRA Works

COBRA allows you to keep the health insurance plan that you had, but you will be the one to pay for it all. The cost of COBRA insurance is 102% of what the premium is for the policy, and you will have to pay for the whole amount. This premium includes the portion your employer was paying, what you were paying, and a small administrative fee.

Many people find COBRA insurance to be unaffordable. For those who do, there are affordable alternatives to COBRA insurance in Arizona. Some of the COBRA insurance alternatives you should consider include:

  • Short Term Insurance. These are plans that can range from 30 days up to one year. It gives you the coverage you need as you are looking for another job that will provide health insurance.
  • Indemnity. These plans allow you to use your preferred medical providers and then the billing gets submitted to the insurance company. These plans usually have a deductible that needs to be met before the insurance helps pay.
  • Association Plans. These plans allow groups, either small businesses or those who have similar interests, to come together to get affordable insurance rates. These are ideal for those who are self employed or are freelancers.

Affordable COBRA Insurance Alternatives in Arizona

Those who find COBRA insurance to be too expensive should consider the alternatives, rather than going without insurance. We have helped many people find more affordable alternatives to COBRA in Arizona. Our experienced agents are experts in COBRA alternatives and are able to match people with a plan that will not only fit their budget, but that will give them the coverage they need.

It’s a good idea to at least get a quote on COBRA insurance alternatives. That way you can compare the options and determine which one will work best for you, your family, and your budget. Our team of professionals can answer all of your questions, help you determine if you are eligible for COBRA, and help you find other more affordable health insurance options to consider. We help people obtain peace of mind every day!

What is COBRA Insurance in Arizona?

If you have lost your job, whether voluntarily or not, you may qualify for COBRA health insurance in Arizona. COBRA, which stands for Consolidated Omnibus Budget Reconciliation Act, is a federal law that was enacted in 1985. The law made it possible for people who were receiving health insurance from their employer to keep it if they lost their job, or if their hours had been cut. In order to qualify for COBRA, you had to have been working at a place that had at least 20 employees, and that was providing you with health insurance.

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